WATERTOWN MUNICIPAL
Charter #67615 · WATERTOWN, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 35.82% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 52nd — a 47-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WATERTOWN MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.91M | 99th pct | 52th pct |
| Members | 661 | 56th pct | 26th pct |
| Net worth ratio | 35.82% | 91th pct | 84th pct |
| Return on average assets | 0.94% | 69th pct | 64th pct |
| Net interest margin | 3.80% | 42th pct | 49th pct |
| Cost of funds | 0.10% | 22th pct | 15th pct |
| Loan-to-share | 46.48% | 37th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -6.28% | 43th pct | 33th pct |
| Share growth YoY | -0.23% | 48th pct | 48th pct |
| Efficiency ratio | 80.28% | 41th pct | 44th pct |
structural peer set hash: da0ad674ff1890635ffc510bc9440a3a… (reproducible)
Closest structural peers
This is the free public view
Claim WATERTOWN MUNICIPAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.